No annual fee for 24 transactions per year
You don't pay an annual fee if you actively use the card*
Cashback - we give you back 1% of every transaction made
You do not pay interest if you pay the amount due within 45 days
* All Galaxy credit cards issued after December 1, 2023, may be exempt from an annual fee if a minimum of 24 transactions are made with each card within the period from the card's issuance to the first annual fee being charged, as well as for each subsequent calendar year. This condition applies to primary and additional Galaxy credit cards.
What advantages do I have?
- Choose a card in BGN or EUR
- Interest only on the portion of the limit used
- Possibility to deposit own funds in excess of the credit limit granted
- Free SMS notifications for transactions and revolving credit amounts due
- Fast, convenient, and secure online shopping with a 3D password created for your card
- Option to issue additional cards to you or a designated person
- Fast and modern payments via mobile wallets for Android or iOS
- No interest on POS purchases when the entire debt is repaid on the due date
- No annual service fee for 24 transactions within 1 year from the date of issue of the card
- Cashback – 1% of the amount spent
- Possibility of interest-free credit for up to 45 days
What bonuses do I get?
Cashback Program “My DSK Points”
Earn 1 point for every 1 BGN spend in Bulgaria or abroad with your Galaxy Credit Card. Each point is worth 0.01 BGN. You can redeem your accumulated points into cash at any time directly through DSK Mobile*. Learn more about the program here.
Maximum points per transaction: 1 000 points
Maximum points per year: 20 000 points
* Available upon service implementation in DSK Mobile.
Bonus upon repayment of the entire amount due
If you repay your entire debt within 15 calendar days after the due date, you will not owe interest on the money paid for goods and services via POS or the Internet for the period between the last two due dates.
Visa Galaxy revolving credit cards | |||
|---|---|---|---|
| BGN | EUR | ||
| Standard interest rate on the loan | 18,90% | 18,90% | |
| Interest rate on collateral pledge on deposit/deposit in the bank | 12,95% | 12,95% | |
| Bonus upon repayment of the entire amount due for the reporting period | No interest on amounts for purchasing goods at POS from a merchant | No interest on amounts for purchasing goods at POS from a merchant | |
You can change your card limits free of charge at any time using your mobile banking. The service is also available at our offices, in which case a fee applies in accordance with the current bank's tariff .
Transaction limits | Limits under the General Terms and Conditions | Maximum value for negotiating individual limits |
|---|---|---|
24-hour limit for withdrawing cash | 1 000 BGN / currencyequivalent | 9 775 BGN / currency equivalent |
24-hour payment limit at merchant | 5 000 BGN / currency equivalent | 25 000 BGN / currency |
Total 24-hour limit | 6 000 BGN / currency equivalent | 25 000 BGN / currency equivalent |
Credit Card Security Group Insurance
With group insurance Credit Card Security, from Groupama with insurance agent DSK Bank, and additional cover Comfort you get financial security for you and your family in the event of adverse events with life and health, as well as protection for payment transactions and financial losses.
Financial support in the event of an adverse event affecting life and health, in the event of an accident
Active coverage with a grace period of 65 days
Protection worldwide
Learn more here.
